Basically, it's a second safety net to protect your online identity. If you've ever used a fingerprint reader on your phone or received a verification code text, you've used MFA.

According to the World Password Day organization, 450 million passwords were leaked from major Internet companies just last year. By "double bagging those passwords," as Ms. White puts it, you're adding an extra layer of protection, which will significantly decrease the risk of someone illegally accessing your accounts. This site even offers a comprehensive and searchable list of websites offering MFA.